Systems and methods for image monitoring of check during mobile deposit

ABSTRACT

An image of a check that is in the field of view of a camera is monitored prior to the image of the check being captured. The camera is associated with a mobile device. When the image of the check in the field of view passes monitoring criteria, an image may be taken by the camera and provided from the mobile device to a financial institution. The image capture may be performed automatically as soon as the image of the check is determined to pass the monitoring criteria. The check may be deposited in a user&#39;s bank account based on the image. Any technique for sending the image to the financial institution may be used. Feedback may be provided to the user of the camera regarding the image of the check in the field of view.

CROSS REFERENCE TO RELATED APPLICATION(S)

This application is a continuation of U.S. patent application Ser. No.15/392,950, filed on Dec. 28, 2016, which is a continuation of U.S.patent application Ser. No. 13/922,686, filed Jun. 20, 2013 (issued asU.S. Pat. No. 9,569,756 on Feb. 14, 2017), which is a continuation ofU.S. patent application Ser. No. 12/545,127, filed Aug. 21, 2009 (issuedas U.S. Pat. No. 8,977,571 on Mar. 10, 2015), all of which are herebyincorporated by reference herein in their entirety.

BACKGROUND

Checks typically provide a safe and convenient method for an individualsuch as a payor to transfer funds to a payee. To use a check, theindividual usually opens a checking account, or other similar account,at a financial institution and deposits funds, which are then availablefor later withdrawal. To transfer funds with a check, the payor usuallydesignates a payee and an amount payable on the check. In addition, thepayor often signs the check. Once the check has been signed, it isusually deemed negotiable, meaning the check may be validly transferredto the payee upon delivery. By signing and transferring the check to thepayee, the payor authorizes funds to be withdrawn from the payor'saccount on behalf of the payee.

While a check may provide a payor with a convenient and secure form ofpayment, receiving a check may put certain burdens on the payee, such asthe time and effort required to deposit the check. For example,depositing a check typically involves going to a local bank branch andphysically presenting the check to a bank teller. To reduce such burdensfor the payee, systems and methods have been developed to enable theremote deposit of checks. For example, the payee may capture a digitalimage of a check using a mobile device. The financial institution maythen receive from the payee the digital image of the check. Thefinancial institution may then use the digital image to credit funds tothe payee. However, such a technique requires the efficient and accuratedetection and extraction of the information pertaining to a check in thedigital image. Capturing a digital image at a mobile device that allowsfor subsequent detection and extraction of the information from thedigital image is difficult.

SUMMARY

An image of a check that is in the field of view of a camera ismonitored prior to the image of the check being captured. The camera isassociated with a mobile device. The monitoring may be performed by thecamera, the mobile device, and/or a financial institution that is incommunication with the mobile device. When the image of the check in thefield of view passes monitoring criteria, an image may be taken by thecamera and provided from the mobile device to a financial institution.The check may be deposited in a user's bank account based on the image.Any technique for sending the image to the financial institution may beused.

In an implementation, the image capture may be performed automaticallyby the camera, the mobile device, and/or the financial institution assoon as the image of the check is determined to pass the monitoringcriteria. In an implementation, feedback may be provided to the user ofthe camera regarding the image of the check in the field of view. Theuser may reposition the check and/or the camera, for example, responsiveto the feedback. Alternatively, the user may capture an image of thecheck responsive to the feedback.

This summary is provided to introduce a selection of concepts in asimplified form that are further described below in the detaileddescription. This summary is not intended to identify key features oressential features of the claimed subject matter, nor is it intended tobe used to limit the scope of the claimed subject matter.

BRIEF DESCRIPTION OF THE DRAWINGS

The foregoing summary, as well as the following detailed description ofillustrative embodiments, is better understood when read in conjunctionwith the appended drawings. For the purpose of illustrating theembodiments, there are shown in the drawings example constructions ofthe embodiments; however, the embodiments are not limited to thespecific methods and instrumentalities disclosed. In the drawings:

FIG. 1 is a block diagram of an implementation of a system in whichexample embodiments and aspects may be implemented;

FIG. 2 shows a high-level block diagram of an implementation of a systemthat may be used for the deposit of a check;

FIG. 3 is a diagram of an example image comprising a check image, abackground image, and feedback;

FIG. 4 is a diagram of an example image divided into segments that maybe used for monitoring the image;

FIG. 5 is a diagram of an example histogram for a segment of an imagecomprising check data and background data;

FIG. 6 shows a data flow diagram of a system for the deposit of a check,in accordance with an example embodiment;

FIG. 7 shows a block diagram of a client apparatus and a serverapparatus for the deposit of a check, in accordance with an exampleembodiment;

FIG. 8 is an operational flow of an implementation of a method that maybe used for deposit of a check using image monitoring of the check;

FIG. 9 is an operational flow of another implementation of a method thatmay be used for deposit of a check using image monitoring of the check;and

FIG. 10 is a block diagram of an example computing environment in whichexample embodiments and aspects may be implemented.

DETAILED DESCRIPTION

In the following detailed description of example embodiments, referenceis made to the accompanying drawings, which form a part hereof and inwhich is shown, by way of illustration, specific embodiments in whichthe example methods, apparatuses, and systems may be practiced. It is tobe understood that other embodiments may be used and structural changesmay be made without departing from the scope of this description.

FIG. 1 is a block diagram of an implementation of a system 100 in whichexample embodiments and aspects may be implemented. System 100 mayinclude an account owner, referred to herein as a user 102, andfinancial institutions 130, 140, and 150, which may be any type ofentity capable of processing a transaction involving a negotiableinstrument. For example, financial institutions 130, 140, and 150 may bea retail bank, an investment bank, an investment company, a regionalbranch of the Federal Reserve, a clearinghouse bank, and/or acorrespondent bank.

A negotiable instrument typically includes a type of contract thatobligates one party to pay a specified sum of money to another party.Negotiable instrument as used herein is an unconditioned writing thatpromises or orders payment of a fixed amount of money. One example of anegotiable instrument is a check. The check may be taken by thereceiving party and deposited into an account at a financial institutionof the receiving party. The receiving party may endorse the check andthen present it for deposit at a bank branch, via an automated tellermachine (ATM), or by using remote deposit. Other examples of negotiableinstruments include money orders, cashier's checks, drafts, bills ofexchange, promissory notes, and the like. A money order is a trustedfinancial instrument that is a payment order for a pre-specified amountof money. A cashier's check (also known as a bank check, official check,teller's check, bank draft or treasurer's check) is a check guaranteedby a bank and may be purchased from a bank.

The user 102 may be an individual or entity who owns account 160 thatmay be held at financial institution 130. Account 160 may be any type ofdeposit account for depositing funds, such as a savings account, achecking account, a brokerage account, and the like. The user 102 maydeposit a check 108 or other negotiable instrument in the account 160either electronically or physically. The financial institution 130 mayprocess and/or clear the check 108 or other negotiable instrument. Theuser 102 may communicate with financial institution 130 by way ofcommunications network 120 such as an intranet, the Internet, a localarea network (LAN), a wide area network (WAN), a wireless fidelity(WiFi) network, a public switched telephone network (PSTN), a cellularnetwork, a voice over Internet protocol (VoIP) network, and the like.The user 102 may communicate with financial institution 130 by phone,email, instant messaging, text messaging, web chat, facsimile, mail, andthe like. Financial institutions 130, 140, and 150 also may communicatewith each other by way of communications network 120.

In an implementation, the user 102 may receive payment from anotherindividual such as a payor in the form of a check 108 or othernegotiable instrument that is drawn from account 170 at financialinstitution 150. The user 102 may endorse the check 108 (e.g., sign theback of the check 108) and indicate an account number on the check 108for depositing the funds. It is noted that although examples describedherein may refer to a check, the techniques and systems described hereinare contemplated for, and may be used for, deposit of any negotiableinstrument. Similarly, the techniques and systems described herein arecontemplated for and may be used with any form or document whose imagemay be captured with a camera or other imaging device of a mobile devicefor subsequent storage and/or processing.

As described further herein, a digital image of a check or othernegotiable instrument may be provided from a user to a financialinstitution, and the digital image may be processed and funds associatedwith the check or negotiable instrument in the digital image may bedeposited in a user's bank account. The user 102 may deposit the check108 into account 160 by making a digital image of the check 108 andsending the image file containing the digital image to financialinstitution 130. For example, after endorsing the check 108, the user102 may use a mobile device 106 that comprises a camera to convert thecheck 108 into a digital image by taking a picture of the front and/orback of the check 108. The mobile device 106 may be a mobile phone (alsoknown as a wireless phone or a cellular phone), a personal digitalassistant (PDA), or any handheld computing device, for example. Aspectsof an example mobile device are described with respect to FIG. 10.

To increase the likelihood of capturing a digital image of the check 108that may be readable and processed such that the check 108 can becleared, the image is monitored for compliance with one or moremonitoring criteria, prior to the image of the check 108 being captured.The monitoring criteria may be directed to proper lighting and/orframing of the check 108 in an image of the check 108 that will becaptured and presented for clearing of the check 108. An application maymonitor whether the check 108 is sufficiently within the frame of thecamera and has a high enough quality for subsequent processing. Themonitoring is performed with respect to the image as it appears in thefield of view of the camera of the mobile device 106. The field of viewis that part of the world that is visible through the camera at aparticular position and orientation in space; objects outside the fieldof view when the image is captured are not recorded in the image. Themonitoring criteria may be based on one or more of light contrast on theimage, light brightness of the image, positioning of the image,dimensions, tolerances, character spacing, skewing, warping, cornerdetection, and MICR (magnetic ink character recognition) line detection,as described further herein. In an implementation, one or morehistograms may be determined using the image being monitored. Thehistograms may be used in conjunction with monitoring criteria, asdescribed further herein.

The monitoring may be performed by the camera, the mobile device 106,and/or a financial institution that is in communication with the mobiledevice 106. When the image of the check 108 in the field of view passesthe monitoring criteria, an image may be taken by the camera andprovided from the mobile device 106 to a financial institution. Byensuring that the image of the check passes monitoring criteria duringpre-image capture monitoring, the number of non-conforming images ofchecks is reduced during presentment of the images to a financialinstitution for processing and clearing. In an implementation, feedbackmay be provided to the user 102 regarding the image of the check in thefield of view. Based on the feedback, the user 102 may reposition thecheck 108 and/or the camera, for example, or may capture an image of thecheck 108.

In an implementation, the image capture may be performed automaticallyby the camera, the mobile device 106, and/or the financial institutionas soon as the image of the check 108 is determined to pass themonitoring criteria. Alternatively, the user 102 may manually instructthe camera to perform the image capture (e.g., by pressing a button thecamera or the mobile device 106) after the user 102 receives anindication or other feedback that the image passes the monitoringcriteria.

In an implementation, the user 102 may send the digital image(s) tofinancial institution 130 using the mobile device 106. Any technique forsending a digital image to financial institution 130 may be used, suchas providing a digital image to a website associated with financialinstitution 130 from storage, emailing a digital image to financialinstitution 130, or sending a digital image in a text message or instantmessage, for example.

Financial institution 130 may receive a digital image representing thecheck 108 and may use any known image processing software or otherapplication(s) to obtain the relevant data of the check 108 from thedigital image. Financial institution 130 may determine whether thefinancial information associated therewith may be valid. For example,financial institution 130 may include any combination of systems andsubsystems such as electronic devices including, but not limited to,computers, servers, databases, or the like. The electronic devices mayinclude any combination of hardware components such as processors,databases, storage drives, registers, cache, random access memory (RAM)chips, data buses, or the like and/or software components such asoperating systems, database management applications, or the like.According to an embodiment, the electronic devices may include anetwork-based server that may process the financial information and mayreceive the digital image from the user 102.

The electronic devices may receive the digital image and may perform ananalysis on the quality of the digital image, the readability of thedata contained therein, or the like. For example, the electronic devicesmay determine whether the account number, amount payable, and the likemay be readable such that it may be parsed or otherwise obtained andprocessed by the financial institution to credit an account 160associated with the user 102 and debit an account associated with thepayor. In an implementation, a representative 135 of financialinstitution 130 may provide assistance to the user 102 and may provideassistance in determining whether the financial information may bereadable and/or of a good enough quality to be processed.

Upon receipt and approval of the digital image, financial institution130 may credit the funds to account 160. Financial institution 130 mayclear the check 108 by presenting a digital image of the check 108captured from the digital image to an intermediary bank, such as aregional branch of the Federal Reserve, a correspondent bank, and/or aclearinghouse bank. For example, the check 108 may be cleared bypresenting the digital image to financial institution 140, which may bea regional branch of the Federal Reserve, along with a request forpayment. Financial institutions 130 and 150 may have accounts at theregional branch of the Federal Reserve. Financial institution 130 maycreate a substitute check using the image provided by the user 102 andpresent the substitute check to financial institution 140 for furtherprocessing. Upon receiving the substitute check, financial institution140 may identify financial institution 150 as the paying bank (e.g., thebank from which the check 108 is drawn). This may be accomplished usinga nine digit routing number located on the bottom left hand corner ofthe check. A unique routing number is typically assigned to everyfinancial institution in the United States. Financial institution 140may present the substitute check to financial institution 150 andrequest that the check be paid. If financial institution 150 verifiesthe check (i.e., agrees to honor the check), financial institution 140may then settle the check by debiting funds from financial institution150 and crediting funds to financial institution 130. Financialinstitution 150 may then debit funds from account 170.

It will be appreciated that the preceding examples are for purposes ofillustration and explanation only, and that an embodiment is not limitedto such examples. For example, financial institution 150 may be acorrespondent bank (i.e., engaged in a partnership with financialinstitution 130). Thus, financial institution 130 may bypass theregional branch of the Federal Reserve and clear the check directly withfinancial institution 150. In addition, account 160 and account 170 mayboth be held at financial institution 130, in which case the check 108may be cleared internally.

In an implementation, the mobile device 106 may comprise a video sourcesuch as a video camera, a web camera, or a video-enabled phone, forexample, to obtain a video of the check 108. A frame of the video may beobtained and monitored with respect to monitoring criteria, as describedfurther herein. The mobile device 106 and/or the institution may obtainthe frame and monitor the frame, depending on an implementation.Generation of a live video of a check 108 is not limited to a videocamera, a web camera, and a video-enabled phone, and it is contemplatedthat any device that is capable of generating a live video may be usedto make a video of the check 108 which may be monitored in real-timewith respect to monitoring criteria. Additional devices that may be usedin the generation and/or transmission of a live video include aweb-enabled video computing device, a mobile phone, a camcorder, and acomputer camera, for example.

FIG. 2 shows a high-level block diagram of an implementation of a system200 that may be used for the deposit of a check, such as the check 108.As described further herein, the user 102 may deposit the funds of thecheck 108 using the camera functionality in the mobile device 106. Inthe example of one person giving a check to another person, this wouldenable the receiving party to deposit the funds at that time, withoutphysically visiting an ATM or a bank branch.

In an implementation, the mobile device 106 may comprise a camera 207,such as a digital camera. Such a mobile device may be called a cameraphone. The mobile device 106, through the camera 207, has the ability totake or capture a picture or digital image of the check 108 or othernegotiable instrument. The camera 207 may take an image of the front ofthe check 108. Alternatively, the camera 207 may take an image of boththe front and the back of the check 108. The back of the check mayprovide endorsement verification, such as the signature of the person orparty the check is made out to.

In an implementation, prior to an image in the field of view of thecamera 207 being captured by the camera 207, the image may be monitoredwith respect to monitoring criteria, e.g., using a software applicationrunning on the mobile device 106. Feedback based on the monitoring ofthe image may be provided to the user 102 to assist the user 102 inpositioning the check 108 so that the image of the check 108 may becaptured in such a manner that it may be more easily processed andcleared during subsequent operations, such as those involving one ormore financial institutions.

A depository 204 may include a bank in which the user 102 has a depositaccount; however, the present disclosure is not limited to just banks.Alternatively, a third party may act as the depository 204 providingfunctionality to a plurality of users without regard to the bank atwhich they have deposit accounts, or whether their individual bankallows for the methods and systems described herein. The depository 204,in an implementation, after receiving the image(s) of the check 108 fromthe user 102, may use a clearinghouse 210 to perform the check clearingoperations. As described with respect to the system 100 of FIG. 1, checkclearing operations are used by banks to do the final settlement of thecheck 108, such as removing funds from the account of the payor andtransferring those funds to the user's bank. The user's bank may chooseto make the funds available to the user 102 immediately and take on therisk that the check 108 does not clear. However, for various reasons,the bank may only make those funds available to the user 102 after thecheck 108 finally clears.

In an implementation, the user 102 may place the check 108 on abackground and generate a digital image comprising an image of the check(e.g., a check image) and a portion of the background (e.g., abackground image) using the camera 207. Any background may be used,although a dark background or a consistently colored background mayprovide more optimal results. It is noted that although examples andimplementations described herein may refer to a check image and checkdata, the term “check image” may refer to any foreground image in adigital image (as opposed to the background image) and the term “checkdata” may refer to any foreground data in a digital image (as opposed tobackground data). Thus, the “check image” and the “check data” may referto the foreground image and foreground data in implementations involvingany negotiable instrument, form, or document.

In an implementation, the image being monitored in the field of view ofthe camera 207 comprises check data and background data. The check datapertains to the check image and the background data pertains to thebackground image (e.g., the background on which the check image isdisposed).

FIG. 3 is a diagram of an example image 230 comprising a check image247, a background image 250, and a feedback indicator 235 providingfeedback to the user 102. The image 230 may be generated by an imagingdevice associated with the mobile device 106, such as the camera 207. Anedge 245 separates the check image 247 from the background image 250.The edge 257 may be detected using any known technique(s). The image 230may be provided in the field of view of the camera 207 prior to andduring image capture of the check 108. The user 102 may adjust thecamera 207, the check 108, and/or any light source so that the image 230passes one or more monitoring criteria. For example, a light source froma specific angle can lead to poor light contrast. Light contrast may bea monitoring criterion, and poor light contrast may be corrected easilyby moving the lens of the camera 207 to a different perspective, therebyallowing the image to pass the monitoring criterion.

Feedback regarding the image 230 in the field of view with respect tothe monitoring criteria may be generated and provided to the user 102.In an implementation, the feedback may be provided visually, such as bytext (e.g., “go closer”, “go farther”, “move the check to the right”,“put the check on a darker background”, “tilt the camera down”, “takethe picture now”, etc.), arrows, or other visual indicators or cues(e.g., green lights, red lights, etc.) overlaid on the image 230, shownas feedback indicator 235. Alternatively or additionally, feedback maybe provided to the user 102 aurally, such as through a speakerassociated with the mobile device 106. The feedback may advise the user102 to move the camera 207 or the check 108 or adjust the lighting orthe background, for example. The feedback may also advise the user 102when the image 230 passes the one or more monitoring criteria and tocapture the image of the check 108.

One of the monitoring criteria may be based on the positioning of thecheck 180 in the image 230. The positioning of the check 108 may bedetermined from the image 230 and compared with predetermined dimensions(e.g., of a typical personal check, of a typical business check) andtolerances. If the dimensions are within a certain acceptable tolerance,then it may be determined that the check 108 is properly positioned.Such feedback may be generated and provided to the user 102.

In an implementation, the positioning of the check 108 in the image 230may be compared with an alignment guide (which may or may not be visibleto the user 102 in the field of view of the camera 207). For example,measurements may be made by a processor in the camera 207, the mobiledevice 106, or a computing device at the financial institution todetermine the check's position with respect to the alignment guide. Themeasurements may be compared to predetermined measurements or values todetermine whether the check's positioning in the image 230 is proper orsufficient for further processing of the image. Edge detection and/orcorner detection may be used in such measurements (e.g., in measuringthe distance from the check 108 in the image 230 to the alignmentguide). Any known technique(s) for edge detection and/or cornerdetection may be used. In an implementation, corner detection itself maybe a monitoring criterion, such that if corner detection of the check108 in the image 230 is achieved, then it may be concluded that theimage 230 may be properly processed and cleared by a depository (i.e.,the image 230 passes the monitoring criteria).

The alignment guide may be overlaid on the camera feed of the mobiledevice 106, in an implementation. The alignment guide may take any shapesuch as a bounding rectangle or other bounding box or shape, horizontaland/or vertical bars, parallel lines, etc., for example. With a boundingrectangle, for example, used as the alignment guide, aligning the check108, thereby passing this monitoring criterion, means enclosing thecheck 108 within the bounding rectangle. If the check 108 is outside ofthe alignment guide in the image 230, feedback may be generated andprovided to the user 102 regarding this monitoring criterion withinstructions for moving the check 108 or the camera 207 in order toproperly align the check 108 in the field of view.

The operator of the camera 207 may introduce distortions in the imagedue to a perspective problem, specifically an angling of the cameravertically over the check, and the top of the check is smaller than thebottom, or the reverse. Monitoring criteria may also be directed todetermining whether the image is skewed or warped. Skewing occurs whenthe check 208 is rotated from the horizontal in the image 230. Bymeasuring the distance from the edge(s) of the check 208 in the image toan alignment guide or the edge of the field of view, it may bedetermined whether the check 208 is skewed (e.g., by comparing thedistances to one another, by comparing the distances to predeterminedvalues, etc.). If skewing is present in the image 230, feedback may begenerated and provided to the user 102 with instructions for moving thecheck 108 or the camera 207 in order to properly align the check 108 inthe field of view with respect to the horizontal.

Warping, as used herein, is meant to denote that the check 108 is tiltedforward or back with respect to a plane that is perpendicular to a linedrawn from the camera lens to the center of the check 108. Warping, ortilting, of the image may lead to incorrect optical detection of thecheck 108. In an implementation, a processor in the camera 207, themobile device 106, or a computing device at the financial institutionmay determine whether warping is present in the image, and if so, maygenerate and provide feedback to the user 102. Such feedback maycomprise instructions to the user 102 for moving the check 108 or thecamera 207 such that the check 108 would appear to be perpendicular toan imaginary line drawn from the center of the camera lens to the centerof the check 108 itself (e.g., dewarping instructions).

If user involvement is tolerated, the user may be queried to supply oridentify one or more corners of the check 108 in the image 230. Theperimeter of the check 108 may be determined using this information.Additionally, this information may be used for monitoring the image 230for distortions.

In an implementation, a monitoring criterion may be whether the MICRline can be detected and/or read. Any known MICR line detectiontechnique(s) may be used by the camera 207, the mobile device 106,and/or the financial institution (e.g., using an image processor, forexample) to detect the MICR line on the check 108 in the image 230. Ifthe MICR line can be detected, it may be determined that the image 230may be captured and sent to the financial institution for processing andclearing of the check 108 (i.e., the image passes the monitoringcriterion directed to MICR line detection). If the MICR line cannot bedetected, feedback may be provided to the user 102, such as toreposition the check 108 and/or the camera 207 (i.e., the image fails topass the monitoring criterion, perhaps because the image is out focus orthe lighting is inadequate, for example).

In an implementation, spacing between certain characters, points, orfeatures (e.g., MICR number, “$” sign, signature line, courtesy amountline, legal amount line, etc.) may be determined and used as amonitoring criterion. For example, if the MICR line can be detected,then the spacing between the numbers in the MICR line may be determinedusing any known measuring and/or image processing technique(s). If thespacing is outside of a certain range corresponding to valid spacingbetween number in a MICR line, then it may be determined that the image230 may be not properly processed if captured by the camera 207. In sucha case, feedback may be generated and provided to the user 102, such asto reposition the check 108 and/or the camera 207.

Another monitoring criterion may be based on the light in the image 230,such as the light contrast and/or light brightness found on the image230, such as in various regions of the image 230. For example, if thelight contrast between the check image 247 and the background image 250is less than a predetermined amount, then it may be determined that theimage 230 may be not properly processed if captured by the camera 207.In such a case, instead of capturing the image 230, feedback may begenerated and provided to the user 102 to adjust the camera 207, thecheck 108, and/or the lighting in order to bring the image 230 intocompliance with the monitoring criteria.

As another example, the light brightness on various regions of the imagemay be determined and compared to each other and/or may be compared to apredetermined threshold. If the difference between the light brightnessof the various regions is less than a predetermined amount (e.g., thelight brightness does not vary significantly among the regions) or ifthe light brightness is less than a predetermined threshold, then it maybe determined that the image 230 may be properly processed if capturedby the camera 207. Otherwise, feedback may be generated and provided tothe user 102 to adjust the camera 207, the check 108, and/or thelighting in order to change the light brightness on the image 230.

In an implementation, one or more histograms may be generated based onthe image 230 and used in the determination of light contrast and/orlight brightness monitoring criteria. A histogram is a well known graphand may be used to display where all of the brightness levels containedin an image are found, from the darkest to the brightest. These valuesmay be provided across the bottom of the graph from left (darkest) toright (brightest). The vertical axis (the height of points on the graph)shows how much of the image is found at any particular brightness level.

Histograms may be used to monitor whether the light on the image 230 isuniform, not too bright, etc. For example, the mobile device 106 canmonitor the histogram of the image 230 to ensure that there is a largecontrast between the background image 250 and the check image 247.Feedback may be provided to the user 102 as to how to move or adjust thecamera, lighting, etc. in order to get a good image for subsequentprocessing (i.e., how to get an image that passes the monitoringcriteria).

In an implementation, the image 230 may be divided into segments, suchas those shown in FIG. 4. FIG. 4 is a diagram of the example image 230of FIG. 3 divided into segments 260, 265, 270, 275 that may be used formonitoring the image 230. Although four segments are shown in FIG. 4,any number of segments may be used with techniques described herein.Although the segments 260, 265, 270, 275 are formed by dividing theimage 250 into quadrants, the segments may be formed by any techniques,take any shape, and have any area, subject to a constraint that eachsegment comprises a portion of the check data 247 and a portion of thebackground data 250 separated by a portion of the edge 245. In thismanner, distinct areas of density corresponding to the background of theimage and the check data of the image may be provided in a histogram.

FIG. 5 is a diagram of an example histogram 280 for a segment of animage comprising check data and background data. The horizontal axis ofthe histogram 280 represents the grayscale level between 0 and 255,where 0 represents true black and 255 represents true white. Thevertical axis represents the amount of the image at a particulargrayscale level of the horizontal axis. Any known technique forgenerating a histogram for an image (such as a grayscale image of theimage 230) may be used. The histogram 280 shows two distinct areas ofdensity (i.e., two distinct density distributions). The density area 286closer to the grayscale level of zero corresponds to the background ofthe image, and the density area 289 closer to the grayscale level of 255corresponds to the check data.

The density distribution for each segment (or for the entire image 230)may be analyzed to determine whether the light contrast and/or lightbrightness is appropriate for processing and clearing of the check 108in the image 230 (and thus passes that monitoring criterion) or whetherthe light contrast and/or light brightness does not pass the monitoringcriterion and the camera 207, the check 108, and/or the light sourceshould be adjusted or repositioned. For example, the densitydistributions for the segments may be compared with each other and/ormay be compared to predetermined values or levels. If the differencesare less than a predetermined difference amount, such as less than 1percent different, less than 5 percent different, etc., then the image230 may be captured and sent to the financial institution forprocessing. Otherwise, feedback may be generated and provided to theuser 102 to reposition the camera 207, the check 108, and/or the lightsource.

When the image 230 passes the monitoring criteria (e.g., is positionedproperly with respect to an alignment guide, is not warped, is notskewed, has adequate light brightness and/or light contrast, etc.), theimage 230 may be captured either automatically (e.g., by the camera orthe mobile device under direction of an application running on thecamera 207 or the mobile device 106 or the financial institution) ormanually (e.g., by the user 102 pressing a button or making a selectionon the camera 207 or the mobile device 106). The digital image thuscaptured may be provided from the mobile device 106 to a financialinstitution. The check 108 may be deposited in a user's bank accountbased on the digital image. Any technique for sending the digital imageto the financial institution may be used.

FIG. 6 shows a data flow diagram 300 of a system for the deposit of acheck, in accordance with an example embodiment. In the data flowdiagram 300, a client 320 is one example of the mobile device 106 of theuser 102 described with respect to the systems 100 and 200 of FIGS. 1and 2, respectively. In an implementation, a server 322 may be asoftware component operable by the depository 204 of FIG. 2. The client320 may log in to a remote deposit system executed on the server 322.The login 325 may serve to authenticate the user 102 as an authorizedconsumer of the depository 204.

The server 322, in one example, may send instructions 330 to the client320 that execute an application on the client 320. This may includeinstructions that cause a software object, which may have beenpreviously downloaded and installed (e.g., pre-installed) on the client320, to be executed on the client 320. The software object may analyzethe image in the field of view of a digital camera (e.g., the image 230shown in the field of view of the camera 207 associated with the mobiledevice 106) with respect to one or more monitoring criteria and maygenerate and provide feedback to the user regarding the monitoringcriteria and/or instructions for capturing an image of the check 108.

In another example, the instructions 330 may include a whollyself-contained application that when delivered to the client 320 willexecute and perform one or more operations described herein, such asthose directed to analyzing the image in the field of view of the camera207 with respect to monitoring criteria and providing feedback to theuser 102. In either example, the software object may be configured tomake one or more software calls 310 to the camera 207. This may bethrough specific software instructions to the camera 207. In otherwords, the camera's functionality may not be abstracted through anysoftware library. In such an example, software code may be written anddelivered to every different camera-equipped mobile phone.

In an alternate example, the software object may operate through asoftware abstraction layer, such as an application programming interface(API). The software object developer may only insert code into thesoftware object to call one or more APIs exposed by the softwareoperating the mobile device 106. One example of such software is WindowsMobile by Microsoft Corporation. In the context of a Windows Mobiledevice, the Windows Mobile operating system (OS) has one or more APIsexposed to application developers that will translate instructions fromapplications into instructions operable by the camera 207 on the mobiledevice 106. A mobile operating system, also known as a mobile platformor a handheld operating system, is the operating system that controls amobile device. Other mobiles OSs include Symbian OS, iPhone OS, Palm OS,BlackBerry OS, and Android.

The software object may cause the camera 207 to analyze an image in thefield of view with respect to monitoring criteria, provide feedback,and/or take a picture or capture one or more images of the check 108being deposited. These images may be captured sequentially, e.g.,pursuant to the user 102 flipping the check 108 over after an image ofthe front of the check 108 has been captured after passing themonitoring criteria. However, each side of the check 108 may be capturedby the camera 207 using similar API calls. The images may be stored inan image file 315.

Once the images of one or both sides of the check 108 pass themonitoring criteria and are captured by the camera 207, the image file315 may be operated on by the software object of the client 320. Theseoperations may include any of the following: deskewing, dewarping,magnetic ink character recognition, cropping (either automatically, orhaving the user 102 manually identify the corners and/or edges of thecheck 108 for example), reducing the resolution of the image, numberdetection, character recognition, and the like.

With respect to number and character recognition, commercial checkscanners have used characteristics of the MICR encoding to detectinformation about the check, such as the bank's routing number and theaccount number. However, the characteristics that these scanners haveused are the magnetic characteristic of the ink itself and thesescanners have used methods similar to those of magnetic audio tapereaders. In an implementation, a software object of the client 320 mayoptically recognize the characters on the MICR line, as a consumermobile device such as the mobile device 106 will lack the magneticreading ability of a commercial check scanner.

The image may be also down converted into a grayscale or black and whiteimage, such as either in Joint Photographic Experts Group (JPEG)compliant format or in tabbed image file format (TIFF) for example. Inan alternate example, the image may be formatted as a Scalable VectorGraphics (SVG) image. One of the benefits of an SVG file is a large sizeadvantage over JPEG. In the former example, the image at some pointbefore entry into the clearing system may be converted to TIFF format.This may be performed at the mobile device 106, wherein the camera 207captures the image in TIFF format. However, the camera 207 of the mobiledevice 106 may capture the image in JPEG format, which may then beconverted into TIFF either at the mobile device 106 or at the server322. In the latter example, this may use the transmission of the TIFFimage across a communications network which may be more advantageous asTIFF images are typically smaller in file size for the same size ofpicture as a JPEG formatted image.

The software object on the client 320 may operate by performing one ormore of the operations described herein and then transmitting an imagefile 335 (e.g., based on image file 315 that has been processed) to theserver 322 after the user 102 confirms that they do wish to deposit thecheck 108. Alternately, the software object may capture the image of thecheck 108 and transmit that image to the server 322 that in turn mayperform those operations, verifies that the image quality is withinacceptable thresholds, and communicates that verification back to theclient 320, which can then instruct the user 102 to take a picture ofthe other side of the check 108. In this example, the image transmittedto the server 322 may be in any format, such as JPEG or TIFF, insofar asthe server software has the ability to convert that image into a Check21 compliant format. Alternately, the bank may output an X9.37 file tothe clearing system. The Check Clearing for the 21st Century Act (orCheck 21 Act) is a United States federal law that allows the recipientof a paper check to create a digital version, thereby eliminating theneed for further handling of the physical document. The Check 21standard for electronic exchange is defined in the standard DSTUX9.37-2003 (“X9.37”). It is a binary interchange format.

The server 322 may confirm (e.g., using a process confirmation 340) withthe user 102 the transmission, reception, and processing of each side ofthe check 108 separately, or may confirm both sides at the same time. Onthe server side, more operations may be performed, such as signatureverification. Where to perform these operations may be determined by theprocessing power of the mobile device 106 itself, which is typicallylimited in computational power. However, the present discussion is notlimited in any way by discussion of where certain operations aredescribed as operating. The operations of detecting and verifyinginformation may be performed by the client 320 before the information istransmitted along with the image in the image file 335 to the server322. Alternately, the software object(s) operating on the mobile device106 may perform no operation other then capturing images of the frontand back of the check 108 after passing the monitoring criteria,receiving confirmation that the user 102 wishes to proceed, andtransmitting those images to the server 322, wherein the server 322performs those operations.

In an implementation, after the image file 335 has been received by theserver 322, the server 322 may send a process confirmation 340 to theclient 320. The process confirmation 340 may request instructions fromthe client 320 to continue proceeding with the deposit now that theserver 322 has received the image file 335. In response, the client 320may send a deposit confirmation 345 to the server 322, instructing theserver 322 to process the deposit of the check based on the image file335 that had been received by the server 322.

FIG. 7 shows a block diagram of a client apparatus 450 and a serverapparatus 570 for the deposit of a check, in accordance with an exampleembodiment. The client apparatus 450 may include one or more softwareobjects operating on a mobile device 106, such as described above. Theclient apparatus 450 may include a communications module 452, a checkprocessing module 454, and an image monitoring and capture module 456.The client apparatus 450 may receive, in one example, one or more checkimages 458 as an input and output one or more processed images 460.

In an implementation, the check images 458 may be received following asoftware call from the check processing module 454 to the imagemonitoring and capture module 456. In such an implementation, the imagemonitoring and capture module 456 may include the camera 207 containedwithin the mobile device 106. Alternately, the camera 207 may bedetachably coupled to the mobile device 106 such as through a securedigital (SD) slot or over any suitable communications bus, such as USB(universal serial bus).

In an implementation, the image monitoring and capture module 456 mayobtain an image and send the image to a financial institution (e.g.,financial institution 130, the server 322, the server apparatus 570,etc.) for processing. In an implementation, the client apparatus 450 maycomprise a browser such as a web browser, for accessing a website on theInternet or other network associated with a financial institution. Theuser may access the website and select a “monitor and capture image”link or similar icon, button or link, for example, displayed on thebrowser. Such a selection may call the image monitoring and capturemodule 456 on the client apparatus 450.

The communications module 452 may be configured, in one example, toreceive and send data signals over a suitable communications network.This may include, without limitation, GSM/GPR3, HSDPA, CDMA, TDMA,802.11, 802.16 and the like. While the bandwidth available to the mobiledevice 106 may be an implementation concern such discussion is outsidethe scope of the present discussion and any suitable wirelesscommunications network is considered to be within the scope of thepresent discussion. With respect to the present discussion, thecommunications module 452 may receive one or more processed check images460 from the check processing module 454 and may transmit them over thesuitable communications network to the depository 204, as describedherein.

The check processing module 454 may be configured, in one example, tocause the image monitoring and capture module 456 to monitor an image ofat least one side of a check provided in a field of view of the camera207 and then capture the image after it passes monitoring criteria.Compliance with the monitoring criteria is intended to ensure that theimage of the check is suitable for one or more processing tasks. Forinstance, if the check is rotated 45 degrees clockwise when captured,the check processing module 454 or a software object operated on theserver 322 described above may be unable to optically detect informationon the check.

The check processing module 454 may perform one or more cleaning orprocessing operations on the captured image of the check. Such cleaningor processing may include dewarping and/or deskewing (if not part of themonitoring criteria, in an implementation), for example. Cleaning orprocessing may include down-converting the image received from the imagecapture module to a suitable size, such as 200 dots per inch (DPI)resolution or in a resolution range such as 200 DPI to 400 DPI, 300 DPIto 500 DPI, etc., and/or converting the image to grayscale or black andwhite. Such operation(s) may reduce the file size of the check image.Alternatively, the check processing module 454 may send instructions tothe image monitoring and capture module 456 to cause the imagemonitoring and capture module 456 to capture an image of the check at asuitable resolution. The check processing module 454 may additionallyperform any of the following operations, in further examples: convertfrom JPEG to TIFF, detect check information, perform signature detectionon the image of the check, and the like. The check processing module 454may, alternatively, send the captured check image to the serverdescribed herein for such processing, and receive confirmation that theoperations were completed before further operations can proceed.

The size of the file sent between the mobile device and the server maybe small. This runs counter with respect to automatic check detectionagainst a background. If captured in color, the contrast between checkand background becomes easier. However, the processed image sent overthe communications network may need to be smaller, and if the detectionoperation is performed by the server, it may be advantageous to convertthe captured image to grayscale, or even black and white, beforetransmission to the server. Grayscale images are compliant with theCheck 21 Act.

While “flat” is a fairly well known term to users, each user'sappreciation of flat with respect to the camera lens of the camera 207associated with the mobile device 106 may result in a problem withneeding to align the check image programmatically or risk rejecting alarge number of check images. As the image captured is a set of pixels,a tilted image will result in a jagged polygon rather than a perfectrectangle. Using convex hull algorithms, the check processing modulesmay create a smooth polygon around the boundary and remove the concavityof the check image. Alternatively, a rotating calipers algorithm may beused to determine the tightest fitting rectangle around the checkboundary, which can then be used to determine the angle of it, with thatangle being used to align the check properly.

The server apparatus 570 may include one or more software objectsoperating on a server operated by the depository 204. Aspects of anexample server apparatus are described with respect to FIG. 10. Theserver apparatus 570 may include a communications module 572, a checkprocessing module 574, and a check clearance module 576. The serverapparatus 570 may receive one or more processed images 460 from a mobiledevice 106 or a client apparatus 450 as an input and may output a filesuch as a Check 21 compliant file 578. The Check 21 compliant file 578may be a file or entry in a record set that is compliant with theclearinghouse rules set forth in the Check 21 Act and may includeoutputting an X9.37 file, in one example.

The communications module 572 may be configured to receive a wirelesscommunication from the mobile device 106 over any suitablecommunications network, such as those described above. Thecommunications module 572 may additionally receive a communication overa different communications network than the mobile device 106communicated on, such as receiving the communication over a TCP/IP(Transmission Control Protocol/Internet Protocol) connection from theuser's communication provider.

The check processing module 574 may be configured, in one example, toperform one or more check processing operations on the processedimage(s) 460 that are received. In an implementation, these operationsmay include any of the operations described herein with respect to thecheck processing module 454. The operation of signature verification maybe performed by the check processing module 574 of the server apparatus570 as the server apparatus 570 may interface with other systems of thedepository 204 that may maintain previously verified signature samplesof the user 102. Performing signature verification at the clientapparatus 450 may be computationally unfeasible; additionally, there maybe a security risk if the signature sample is stored on the user's owndevice.

A cropped grayscale image may be sent to the server apparatus 570. Theserver apparatus 570 may extract information via a TIFF conversion anddetermine the DPI and re-scale to the proper DPI (e.g., convert to TIFFand detect the DPI that was used in the grayscale image). In animplementation, DPI detection may run on the client apparatus 450.

The check clearance module 576 may be configured, in one example, toreceive a file from the check processing module 574 and may communicatewith a check clearinghouse such that a Check 21 compliant file may bedelivered to the check clearinghouse and funds may be received by thedepository 204. The availability of the funds to the user 102 may bedelayed by this operation such that the user 102 only has access tothose funds when the depository 204 receives confirmation that the checkhas cleared.

FIG. 8 is an operational flow of an implementation of a method 800 thatmay be used for deposit of a check using image monitoring of the check.At 810, a request for access may be received from a user (e.g., the user102). The user may request access to a deposit system operated by adepository (e.g., the depository 204) by way of a mobile device (e.g.,the mobile device 106) such as a cellular phone, a PDA, a handheldcomputing device, etc. operated by the user. The access may be throughsome sort of user login, in some examples. The deposit system may beconfigured to receive a deposit of a negotiable instrument, such as acheck, money order, cashier's check, etc. from the user and clear thenegotiable instrument in a suitable clearinghouse system.

At 820, the system may initialize a software object on the mobiledevice. This may include sending instructions to the mobile deviceintended to execute a previously installed (i.e., pre-installed)software object. Alternatively, the system may send a software object tothe mobile device that may execute the software object, carry outoperations described herein by use of the software object, and terminatethe software object. In an implementation, the system may instruct acamera associated with the mobile device to monitor and capture an imageof the negotiable instrument in conjunction with monitoring criteria.

The user may use the camera to obtain an image in the field of view ofthe camera, and at 830, the image in the field of view of the camera maybe monitored with respect to one or more monitoring criteria, such asthose described above. The monitoring may be performed by the camera,the mobile device, and/or a computing device associated with thedepository, for example. The monitoring may be performed pursuant toinstructions received at the camera or mobile device from the depositsystem operated by a depository, the server 322, or the server apparatus570, for example. In an implementation, the results of the monitoringmay indicate that the camera and/or the check should be repositionedand/or the light source should be adjusted prior to an image capture inorder to capture an image of the check that may be processed properly,e.g., to have the data from the check obtained without error from theimage, so that that check can be cleared.

At 840, feedback based on the results may be generated and providedvisually and/or aurally to the user via the camera and/or the mobiledevice. In an implementation, the feedback may be provided if the imagefails to pass the monitoring criteria. The feedback may compriseinstructions or guidance for the user to follow to obtain an image ofthe check in the field of view of the camera that will pass themonitoring criteria. Processing may continue at 830 with the image thatis currently in the field of view of the camera (after the user hasreceived and acted on the feedback) being monitored with respect to themonitoring criteria.

When the image in the field of view passes the monitoring criteria asdetermined at 830, the image in the field of view may be captured by thecamera at 850. This may be accomplished through the software objectaccessing a camera associated with the mobile device (e.g., eithercomprised within the mobile device or separate from the mobile device).This may be done through an API exposed by the OS of the mobile device,or may be through software code customized for a specific phone andspecific camera. With respect to the former, a developer of the softwareobject may write code to the camera API(s), which may be specific to theOS and without regard to the camera on the device. The user may initiatethe capture of the image (e.g., by pressing a button on the camera orthe mobile device) or the image may be captured automatically, withoutuser intervention, as soon as the image in the field of view isdetermined to have passed the monitoring criteria. In this manner, theoccurrence of non-conforming images downstream (e.g., at a depository orfinancial institution) is reduced, and there is a high confidence thatthe image will be properly processed downstream.

In an implementation, when the image in the field of view is determinedto pass the monitoring criteria, feedback may be generated and providedto the user indicating so. The feedback may instruct the user to capturethe image now (e.g., by pressing a button on the camera or mobiledevice) or may advise the user that the image has been captured, forexample.

At 860, the captured image may be transmitted to the depository, e.g. asa digital image file. At 870, the depository may receive the image ofthe check (along with financial information pertaining to the accountfor depositing funds, for example) and may process the image. Processingof the digital image file may include retrieving financial informationregarding the check. The financial information may comprise the MICRnumber, the routing number, an amount, etc. Any known image processingtechnology may be used, such as edge detection, filtering to removeimagery except the check image or check data in the received digitalimage file, image sharpening, and technologies to distinguish betweenthe front and the back sides of the check. The depository may identifyand/or remove at least a portion of data that is extraneous to thecheck, such as background data.

After retrieving the financial information from the check in anelectronic data representation form, the depository may determinewhether the financial information such as the amount payable to theuser, the account associated with the user to deposit funds, an accountassociated with a payor to debit funds, and an institution associatedwith the payor, etc., may be valid. For example, the depository mayinclude electronic devices such as computers, servers, databases, or thelike that may be in communication with each other. The electronicdevices may receive an electronic data representation and may perform ananalysis on the quality of the data representation, the readability ofthe data representation, or the like. For example, the electronicdevices may determine whether the account number, amount payable, or thelike may be readable such that they may be parsed and processed by thedepository to credit an account associated with the user.

If the financial information is determined to be valid, the electronicdata representation may be processed by the depository, therebydepositing the money in the user's account. If the financial informationis determined to be invalid, then the user may be advised. For example,the depository may transmit an email, a web message, an instant message,or the like to the user indicating that the financial informationassociated with the electronic data representation may be invalid. Theuser may determine how to proceed by selecting an option on the webmessage, replying to the email, or the like.

Thus, in an implementation, instructions on how the user would like toproceed may be requested from the user, such as whether the user wouldlike to try the deposit again (e.g., make another image of the checkthat pass the monitoring criteria and send it to the depository) orwhether the user would like assistance from a representative, forexample. The user may indicate how they would like to proceed. If theuser would like assistance, the financial information may be transferredto a representative for further review. The representative may reviewthe financial information associated with the electronic datarepresentation to determine whether to allow the electronic datarepresentation to be processed by the depository. If so, the electronicdata representation of the financial information may be processed by thedepository, thereby depositing the check in the user's account. Thedepository may send a notice to the user via email, facsimile, instantmessage, or mail, for example, that the check has been deposited intothe selected account.

FIG. 9 is an operational flow of another implementation of a method 900that may be used for deposit of a check using image monitoring of thecheck. A user (e.g., the user 102) may receive and endorse a check(e.g., the check 108) at 910, and open a communication pathway with aninstitution (e.g., the financial institution 130) at 920. In animplementation, the user may open a communication pathway with theinstitution by logging into a website of the institution, for example.There may be several ways in which a communication pathway may beestablished, including, but not limited to, an Internet connection via awebsite of the institution. The user may access the website and log intothe website using credentials, such as, but not limited to, a usernameand a password.

At 930, the user may send a request to deposit the check and may selectan account in which to deposit the check. In an implementation, the usermay select a “deposit check” option provided on the website, and mayenter details such as check amount, date, the account the check fundsshould be deposited in, comments, etc.

At 940, an image in the field of view of the camera may be obtained andprovided, via the communication pathway, to the institution. A stillimage may be provided or a video may be provided, such as a video streamgenerated by the camera.

At 950, the institution may receive the image or video stream and mayanalyze the image or a frame of the video stream with respect to one ormore monitoring criteria, such as those described above. Feedbackpertaining to the image with respect to the monitoring criteria may begenerated and provided to the user over the communication pathway. Basedon the feedback, the user may adjust the position the camera and/or thecheck and/or may adjust the light source until the image in the field ofview of the camera is determined by the institution to pass themonitoring criteria.

When the image in the field of view passes the monitoring criteria, theimage in the field of view may be captured (e.g., automatically withoutuser intervention or pursuant to the user pressing a button) by thecamera at 960, thereby creating a digital image of the check. In animplementation, the user may instruct the camera (e.g., by pressing abutton on the camera or the mobile device) to create the digital image.In another implementation, the camera may automatically create thedigital image as soon as the image of the check passes the monitoringcriteria. In this manner, the user may point the camera at the checksuch that the image of the check appears in the field of view, and afterimage has been determined to pass the monitoring criteria, a digitalimage of the check may be created without further user intervention.Depending on the implementation, one or more digital images of the check(e.g., corresponding to the front and back of the check) may be createdusing such techniques.

At 970, the digital image(s) may be uploaded to the institution usingany known image upload process. In an implementation, the upload may beaugmented by secondary data which may be information relating to thedeposit of the check, such as an account number and a deposit amount,for example. At 980, when the institution has received the digitalimages (e.g., of the front and back sides of the check), the institutionmay process the digital images to obtain an image of the check and todeposit the funds of the check in the user's account, as describedherein. It is contemplated that processing such as grayscale conversion,image cropping, image compression, edge and/or corner detection, etc.may be implemented in the method 900. Such operations may be performedon one or more digital images created by the camera and may be performedon the image(s) by the mobile device and/or by the institution, asdescribed further above.

Although the examples described herein may refer to uploading of imagesof checks to an institution, it is contemplated that any negotiableinstrument or image (e.g., vehicle accident pictures provided to aninsurance company) may be processed and/or transmitted using thetechniques described herein. Additionally, one or more of the techniquesdescribed herein may be performed by the institution instead of themobile device of the user.

FIG. 10 is a block diagram of an example computing environment in whichexample embodiments and aspects may be implemented. The computing systemenvironment is only one example of a suitable computing environment andis not intended to suggest any limitation as to the scope of use orfunctionality. Numerous other general purpose or special purposecomputing system environments or configurations may be used. Examples ofwell known computing systems, environments, and/or configurations thatmay be suitable for use include, but are not limited to, personalcomputers (PCs), server computers, handheld or laptop devices,multiprocessor systems, microprocessor-based systems, network PCs,minicomputers, mainframe computers, embedded systems, distributedcomputing environments that include any of the above systems or devices,and the like.

Computer-executable instructions, such as program modules, beingexecuted by a computer may be used. Generally, program modules includeroutines, programs, objects, components, data structures, etc. thatperform particular tasks or implement particular abstract data types.Distributed computing environments may be used where tasks are performedby remote processing devices that are linked through a communicationsnetwork or other data transmission medium. In a distributed computingenvironment, program modules and other data may be located in both localand remote computer storage media including memory storage devices.

With reference to FIG. 10, a system 1000 includes a computer 1010connected to a network 1014. The computer 1010 includes a processor1020, a storage device 1022, an output device 1024, an input device1026, and a network interface device 1028, all connected via a bus 1030.The processor 1020 represents a central processing unit of any type ofarchitecture, such as a CISC (Complex Instruction Set Computing), RISC(Reduced Instruction Set Computing), VLIW (Very Long Instruction Word),or a hybrid architecture, although any appropriate processor may beused. The processor 1020 executes instructions and includes that portionof the computer 1010 that controls the operation of the entire computer.Although not depicted in FIG. 10, the processor 1020 typically includesa control unit that organizes data and program storage in memory andtransfers data and other information between the various parts of thecomputer 1010. The processor 1020 receives input data from the inputdevice 1026 and the network 1014 reads and stores code and data in thestorage device 1022 and presents data to the output device 1024.Although the computer 1010 is shown to contain only a single processor1020 and a single bus 1030, the disclosed embodiment applies equally tocomputers that may have multiple processors and to computers that mayhave multiple busses with some or all performing different functions indifferent ways.

The storage device 1022 represents one or more mechanisms for storingdata. For example, the storage device 1022 may include read-only memory(ROM), RAM, magnetic disk storage media, optical storage media, flashmemory devices, and/or other machine-readable media. In otherembodiments, any appropriate type of storage device may be used.Although only one storage device 1022 is shown, multiple storage devicesand multiple types of storage devices may be present. Further, althoughthe computer 1010 is drawn to contain the storage device 1022, it may bedistributed across other computers, for example on a server.

The storage device 1022 includes a controller (not shown in FIG. 10) anddata items 1034. The controller includes instructions capable of beingexecuted on the processor 1020 to carry out functions previouslydescribed herein with reference to FIGS. 1-9. In another embodiment,some or all of the functions are carried out via hardware in lieu of aprocessor-based system. In one embodiment, the controller is a webbrowser, but in other embodiments the controller may be a databasesystem, a file system, an electronic mail system, a media manager, animage manager, or may include any other functions capable of accessingdata items. The storage device 1022 may also contain additional softwareand data (not shown), which is not necessary to understand theinvention. Although the controller and the data items 1034 are shown tobe within the storage device 1022 in the computer 1010, some or all ofthem may be distributed across other systems, for example on a serverand accessed via the network 1014.

The output device 1024 is that part of the computer 1010 that displaysoutput to the user. The output device 1024 may be a liquid crystaldisplay (LCD) well-known in the art of computer hardware. In otherembodiments, the output device 1024 may be replaced with a gas orplasma-based flat-panel display or a traditional cathode-ray tube (CRT)display. In still other embodiments, any appropriate display device maybe used. Although only one output device 1024 is shown, in otherembodiments any number of output devices of different types, or of thesame type, may be present. In an embodiment, the output device 1024displays a user interface. The input device 1026 may be a keyboard,mouse or other pointing device, trackball, touchpad, touch screen,keypad, microphone, voice recognition device, or any other appropriatemechanism for the user to input data to the computer 1010 and manipulatethe user interface previously discussed. Although only one input device1026 is shown, in another embodiment any number and type of inputdevices may be present.

The network interface device 1028 provides connectivity from thecomputer 1010 to the network 1014 through any suitable communicationsprotocol. The network interface device 1028 sends and receives dataitems from the network 1014. The bus 1030 may represent one or morebusses, e.g., USB, PCI, ISA (Industry Standard Architecture), X-Bus,EISA (Extended Industry Standard Architecture), or any other appropriatebus and/or bridge (also called a bus controller).

The computer 1010 may be implemented using any suitable hardware and/orsoftware, such as a personal computer or other electronic computingdevice. Portable computers, laptop or notebook computers, PDAs, pocketcomputers, appliances, telephones, and mainframe computers are examplesof other possible configurations of the computer 1010. For example,other peripheral devices such as audio adapters or chip programmingdevices, such as EPROM (Erasable Programmable Read-Only Memory)programming devices may be used in addition to, or in place of, thehardware already depicted.

The network 1014 may be any suitable network and may support anyappropriate protocol suitable for communication to the computer 1010. Inan embodiment, the network 1014 may support wireless communications. Inanother embodiment, the network 1014 may support hard-wiredcommunications, such as a telephone line or cable. In anotherembodiment, the network 1014 may support the Ethernet IEEE (Institute ofElectrical and Electronics Engineers) 802.3x specification. In anotherembodiment, the network 1014 may be the Internet and may support IP(Internet Protocol). In another embodiment, the network 1014 may be aLAN or a WAN. In another embodiment, the network 1014 may be a hotspotservice provider network. In another embodiment, the network 1014 may bean intranet. In another embodiment, the network 1014 may be a GPRS(General Packet Radio Service) network. In another embodiment, thenetwork 1014 may be any appropriate cellular data network or cell-basedradio network technology. In another embodiment, the network 1014 may bean IEEE 802.11 wireless network. In still another embodiment, thenetwork 1014 may be any suitable network or combination of networks.Although one network 1014 is shown, in other embodiments any number ofnetworks (of the same or different types) may be present.

It should be understood that the various techniques described herein maybe implemented in connection with hardware or software or, whereappropriate, with a combination of both. Thus, the methods and apparatusof the presently disclosed subject matter, or certain aspects orportions thereof, may take the form of program code (i.e., instructions)embodied in tangible media, such as floppy diskettes, CD-ROMs, harddrives, or any other machine-readable storage medium wherein, when theprogram code is loaded into and executed by a machine, such as acomputer, the machine becomes an apparatus for practicing the presentlydisclosed subject matter. In the case of program code execution onprogrammable computers, the computing device generally includes aprocessor, a storage medium readable by the processor (includingvolatile and non-volatile memory and/or storage elements), at least oneinput device, and at least one output device. One or more programs mayimplement or use the processes described in connection with thepresently disclosed subject matter, e.g., through the use of an API,reusable controls, or the like. Such programs may be implemented in ahigh level procedural or object-oriented programming language tocommunicate with a computer system. However, the program(s) can beimplemented in assembly or machine language, if desired. In any case,the language may be a compiled or interpreted language and it may becombined with hardware implementations.

Although exemplary embodiments may refer to using aspects of thepresently disclosed subject matter in the context of one or morestand-alone computer systems, the subject matter is not so limited, butrather may be implemented in connection with any computing environment,such as a network or distributed computing environment. Still further,aspects of the presently disclosed subject matter may be implemented inor across a plurality of processing chips or devices, and storage maysimilarly be effected across a plurality of devices. Such devices mightinclude personal computers, network servers, and handheld devices, forexample. Although the subject matter has been described in languagespecific to structural features and/or methodological acts, it is to beunderstood that the subject matter defined in the appended claims is notnecessarily limited to the specific features or acts described above.Rather, the specific features and acts described above are disclosed asexample forms of implementing the claims.

What is claimed:
 1. A server computing device comprising: a networkinterface configured to receive a digital image depicting a documentcaptured by an image capture device included on a mobile computingdevice; a processor in communication with the network interface, theprocessor configured to: analyze the document depicted in the digitalimage with respect to a same monitoring criterion previously applied bythe image capture device, wherein the monitoring criterion monitored thedocument in a field of view of the image capture device; determinewhether the document depicted in the digital image satisfies themonitoring criterion; when the document depicted in the digital image isdetermined not to satisfy the monitoring criterion, control the networkinterface to transmit a feedback message to the mobile computing device,wherein the feedback message includes an instruction for satisfying themonitoring criterion; when the monitoring criterion is determined to besatisfied, implement image processing on the digital image to obtaintarget information related to the document depicted in the digitalimage.
 2. The system of claim 1, wherein the monitoring criterioncomprises monitoring of the document in the field of view of the imagecapture device to determine whether a corner of the document depicted inthe digital image is detected in the field of view of the image capturedevice.
 3. The system of claim 1, wherein the feedback message isexecutable by the mobile computing device to display the instruction forsatisfying the monitoring criterion on a display screen of the mobilecomputing device, wherein the written instruction requests a user toposition the document in a field of view of the image capture device. 4.The system of claim 1, wherein the feedback message is executable by themobile computing device to output an audio signal presenting theinstruction for satisfying the monitoring criterion through a speaker ofthe mobile computing device.
 5. The system of claim 1, wherein thedigital image is part of a video stream received from the mobilecomputing device; and wherein the processor is configured to: analyzethe document depicted in frames comprising the video stream with respectto the monitoring criterion; determine whether the document depicted inthe frames satisfies the monitoring criterion; and when the documentdepicted in the frames is determined to satisfy the monitoringcriterion, control the network interface to transmit an image capturecommand to the mobile computing device for controlling the image capturedevice to capture a still image.
 6. The system of claim 1, wherein theprocessor is further configured to: process a check deposit based on thetarget information obtained from the document.
 7. The system of claim 6,wherein the target information includes an account number related to afinancial institution.
 8. The system of claim 1, wherein to analyze thedocument depicted in the digital image with respect to the monitoringcriterion, the processor is further configured to: measure a distancefrom an edge of the depicted in the digital image to an edge of a fieldof view of the image capture device; and compare the distance to apredetermined value to determine whether skew is present in the digitalimage.
 9. A method for monitoring a digital image, the methodcomprising: receiving, through a network interface, a digital imagedepicting a document captured by an image capture device included on amobile computing device; analyzing, by a processor, the documentdepicted in the digital image with respect to a same monitoringcriterion previously applied by the image capture device, wherein themonitoring criterion monitored the document in a field of view of theimage capture device; determining, by the processor, whether thedocument depicted in the digital image satisfies the monitoringcriterion; when the document depicted in the digital image is determinednot to satisfy the monitoring criterion, controlling the networkinterface to transmit a feedback message to the mobile computing device,wherein the feedback message includes an instruction for satisfying themonitoring criterion; when the monitoring criterion is determined to besatisfied, implementing image processing on the digital image to obtaintarget information related to the document depicted in the digitalimage.
 10. The method of claim 9, wherein the monitoring criterioncomprises monitoring of the document in the field of view of the imagecapture device to determine whether a corner of the document depicted inthe digital image is detected in the field of view of the image capturedevice.
 11. The method of claim 9, wherein the feedback message isexecutable by the mobile computing device to display the instruction forsatisfying the monitoring criterion on a display screen of the mobilecomputing device, wherein the written instruction requests a user toposition the document in a field of view of the image capture device.12. The method of claim 9, wherein the feedback message is executable bythe mobile computing device to output an audio signal presenting theinstruction for satisfying the monitoring criterion through a speaker ofthe mobile computing device.
 13. The method of claim 9, wherein thedigital image is part of a video stream received from the mobilecomputing device; and wherein the method further comprises: analyzing,by the processor, the document depicted in frames comprising the videostream with respect to the monitoring criterion; determining, by theprocessor, whether the document depicted in the frames satisfies themonitoring criterion; and when the document depicted in the frames isdetermined to satisfy the monitoring criterion, controlling the networkinterface to transmit an image capture command to the mobile computingdevice for controlling the image capture device to capture a stillimage.
 14. The method of claim 9, further comprising: processing, by theprocessor, a check deposit based on the target information obtained fromthe document.
 15. The method of claim 14, wherein the target informationincludes an account number related to a financial institution.
 16. Themethod of claim 9, wherein analyzing the document depicted in thedigital image with respect to the monitoring criterion, comprises:measuring a distance from an edge of the depicted in the digital imageto an edge of a field of view of the image capture device; and comparingthe distance to a predetermined value to determine whether skew ispresent in the digital image.
 17. A non-transitory computer-readablemedium comprising computer-readable instructions for analyzing adocument that, when executed by a processor of a server computingdevice, cause the processor to: receive a digital image depicting adocument captured by an image capture device included on a mobilecomputing device; analyze the document depicted in the digital imagewith respect to a same monitoring criterion previously applied by theimage capture device, wherein the monitoring criterion monitored thedocument in a field of view of the image capture device; determinewhether the document depicted in the digital image satisfies themonitoring criterion; when the document depicted in the digital image isdetermined not to satisfy the monitoring criterion, control the networkinterface to transmit a feedback message to the mobile computing device,wherein the feedback message includes an instruction for satisfying themonitoring criterion; when the monitoring criterion is determined to besatisfied, implement image processing on the digital image to obtaintarget information related to the document depicted in the digitalimage.
 18. The non-transitory computer-readable medium of claim 17,wherein the digital image is part of a video stream received from themobile computing device; and wherein the non-transitorycomputer-readable medium further comprises computer-readableinstructions for analyzing the document that, when executed by theprocessor of the server computing device, cause the processor to:analyze the document depicted in frames comprising the video stream withrespect to the monitoring criterion; determine whether the documentdepicted in the frames satisfies the monitoring criterion; and when thedocument depicted in the frames is determined to satisfy the monitoringcriterion, control the network interface to transmit an image capturecommand to the mobile computing device for controlling the image capturedevice to capture a still image.
 19. The non-transitorycomputer-readable medium of claim 17, further comprisingcomputer-readable instructions for analyzing the document that, whenexecuted by the processor of the server computing device, cause theprocessor to: process a check deposit based on the target informationobtained from the document.
 20. The non-transitory computer-readablemedium of claim 17, further comprising computer-readable instructionsfor analyzing the document that, when executed by the processor of theserver computing device, cause the processor to: measure a distance froman edge of the depicted in the digital image to an edge of a field ofview of the image capture device; and compare the distance to apredetermined value to determine whether skew is present in the digitalimage.